Marketing Requirements and Other 
         Regulations
         HIPAA Privacy
          HIPAA stands for: Health Insurance Portability and Accountability Act
              Agents have responsibilities for ensuring the privacy of clients’ Protected Health Information 
               (PHI) including, but not limited to:
                  Health Information
                  Claims Information
                  Social Security Numbers
                  Banking Information
              This information can only be used for the purpose in which it is collected.
             https://agentsurvivalguide.com/what-are-agents-responsible-for-under-hipaa
      Marketing Requirements and Other 
      Regulations
          Health and Human Services as well as other government entities along with 
           plan sponsors are allowed to modify existing and establish new guidelines for 
           how agents must handle PHI and can audit agents and agencies. 
          As technology evolves the policies put into place are becoming more and more 
           complex such as a new technology law passed in New York.
          Here are some guidelines for HIPAA compliance and protecting client 
           information. 
      https://agentsurvivalguide.com/what-are-agents-responsible-for-under-hipaa
     Sales Events
      Anytime an agent conducts sales or marketing activities with a prospect or 
       client regarding Medicare Advantage or Part D it is considered a Sales Event
      There are two types:
      Formal 
      Informal
      These events must be filed with CMS through a Plan Sponsor at least 7 days 
       prior to the event or 7 days prior to when it will be advertised. Any changes 
       to the event must be updated with the plan sponsor.
      Whether on the phone or in person, there are many rules that must be 
       followed.
     Permission to Contact (PTC)
      Another pre-sale activity that often causes confusion for agents is 
       Permission to Contact.
      Permission to contact can be particularly confusing for tele sales agents who 
       often confuse it with the Scope of Appointment (SOA), seeing both items as 
       synonymous with one another which is not the case. 
      Permission to contact should always be collected and documented prior to 
       obtaining a SOA. 
      Even if a client is an unsolicited walk in or call in, the agent should 
       document it to protect himself/herself in case of an audit or complaint. 
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